Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$176,822Cash toward the purchase price.
Closing costs + prepaids$9,456Not just lender fees.
Before credits & paid funds$186,278The complete starting cash picture.
Estimated remaining funds due at closing
$186,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$176,821.71
Your down payment$176,821.71
Closing costs + prepaids$9,456.32
Total buyer cash needed$186,278.03
Remaining funds due$186,278.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$590.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$405.25
Prepaid interest, first (24 days)$292.18
Fees + prepaids$9,456.32
Your down payment is the seller’s equity. You take over the $118,178 balance, so the rest of the $295,000 price is paid at closing. A second mortgage can cover part of it. $186,278.03 is due at closing. Uses and sources reconcile at $304,456.32 each. Not a Closing Disclosure.